Third party car insurance offers you cover for any claim made against you, your driver if somebody else was driving or the registered owner of the vehicle. The road traffic act specifies that you are required to have a certain minimum amount of cover. All UK car insurance policies providing "third party cover" or more, will provide greater protection than the law requires. Whether you just have "third party only", "third party fire and theft" or "comprehensive" you will have this section.
If you are to blame for causing an accident your insurer will pay for all sums of money that are awarded to those people (the third party) that you have killed or injured, or whose property you have damaged etc. This includes any legal costs incurred by either the victim's or your own solicitors.
This whole question of third party cover becomes somewhat more complex when you are a passenger in your own vehicle and it is being driven by someone else. Provided that the driver is allowed to drive it, then it is the other person who is protected by this part of the policy and not you. Your insurance policy will list those who are insured to drive the vehicle, for example, named drivers, passengers, employer . Thus if you, as the passenger, were to be injured owing to the bad driving of the person driving your car, you have the legal right to claim compensation from the driver.
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